Find out how why you're being charged a Visa Never Approve Fee and how to avoid this fee for non-compliance. Everything you need to know.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about Visa's Account Name Inquiry (ANI) Fee, including how it works and how much it costs. Find out if you're overpaying here.| Merchant Cost Consulting - Lower Credit Card Processing Fees
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October typically has significant updates in the payment processing space, especially from the card brands. In addition to changes at the interchange level, we also saw new payment products being released, processor-level rate increases, and noteworthy partnerships from major industry players. I’ve compiled a roundup of the biggest headlines you should know about. Major Interchange […] The post Payment Processing Industry News — October 2025 first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
If you’ve spotted a Global VPN Fee on your merchant statement, you have a good reason to question it. This is a junk fee from your processor that you should try to eliminate from your account. While the fee itself may not seem expensive at first glance, it’s a red flag that your processor is […] The post Global VPN Fee – Legit or Junk? (Payment Processing) first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
Oryx Dental is a cloud-based practice management software that’s trusted by over 2,500+ dentists on five different continents. Inc. 5000 ranked Oryx as a top 100 software company in 2025, and they’ve also been recognized as one of the fastest-growing dental practice management solutions in the industry. Many of Oryx’s customers also leverage the platform’s […] The post Oryx Dental Payment Processing Review (2025) first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
If you’re using Wells Fargo Merchant Services to process payments for your business, you can use this page to stay up to date with all of the latest rate changes and updates. You can also check out our Wells Fargo Merchant Services review for a deeper dive into these processing services and our experience working […] The post Wells Fargo Merchant Services Rates and Updates (2025) first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
If you’ve been hit with Mastercard’s Undefined Authorization Fee or Undefined Authorization Not Allowed TPE penalty, you’re not alone. This fee has become one of the most common MC TPE Fees, as Mastercard began to phase out undefined authorizations and has been increasing penalties for non-compliance. Since undefined authorizations have become a major focus of […] The post Understanding Mastercard’s Undefined Authorizations first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
Credit card surcharging is legal in North Dakota. The state doesn’t have any unique restrictions on surcharges, which means merchants can default to federal regulations. On the surface, this makes it pretty straightforward for businesses to implement a surcharge program in North Dakota. But there’s still more that you should know before moving forward with […] The post North Dakota Credit Card Surcharge Laws (2025) first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
ServSuite by FieldRoutes is a popular field service management platform that’s used by pest control businesses, pool care companies, and other service-based businesses with a fleet of field service workers. It helps these companies automate scheduling, routing, invoicing, and customer communications from a single solution. But there’s one area of ServSuite that’s often overlooked by […] The post ServSuite by FieldRoutes Payment Processing Review (2025) first appeared on Merchant Cos...| Merchant Cost Consulting
If you’re looking through your monthly processing statement and notice line items related to Mastercard’s Transaction Processing Excellence Fee (or TPE Fee), you’re probably wondering what it is and whether you’re being charged correctly. TPE Fees are legitimate charges from Mastercard that apply when merchants don’t follow proper authorization protocols. But just because it’s legit, […] The post Mastercard Transaction Processing Excellence Fee Program first appeared on Mercha...| Merchant Cost Consulting
October is always a busy month for interchange adjustments, and this year was no exception. The card networks have implemented key changes this month and announced additional phases rolling into 2026. Any merchant that accepts corporate cards, B2B payments, or PIN debit transactions needs to pay attention to these updates as they’ll affect how much […] The post October 2025 Interchange Updates: What’s New for Merchants first appeared on Merchant Cost Consulting.| Merchant Cost Consulting
Our insider take on Fiserv, including its pros, cons, and real examples from merchant statements that highlight Fiserv's fees that you need to look out for.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Every credit card transaction has data attached to it. The processing level refers to how much information is provided during the transaction. If you’re a B2B organization that accepts credit card payments from corporate customers, business accounts, commercial credit cards, and government agencies, Level 2 (or Level II) credit card processing can give you access| Merchant Cost Consulting - Lower Credit Card Processing Fees
Discover everything you need to know about PIN debit networks and how they work. Compare the differences of a PIN debit networks list.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Compare debit card processing fees for your business. See how a debit card transaction fee can change based on the debit method, card network, bank, and more.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Rectangle Health rates and fees to accept Visa, Mastercard, Amex, and Discover. The latest fees and updates to process credit card payments with Rectangle Health.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Our insider take on OrthoFi with a focus on its integrated payment processing software, including pros, cons, transaction costs and supported processors.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Our insider take on Greyfinch's payment processing services, including its rates and all the insights you need to negotiate the best deal for your practice.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Compare PIN debit interchange rates and signature debit rates for 2023. Everything you need to know about PIN vs. signature debit processing costs.| Merchant Cost Consulting - Lower Credit Card Processing Fees
We’re just a few weeks into the new year, but payment processing headlines are already making a big splash. This month, we’ve highlighted new rate increases, new laws, and other noteworthy updates worth your attention. Here’s a summary of the biggest stories from January: EVO Payments Increases Discount Rates Up to 1% EVO Payments recently| Merchant Cost Consulting - Lower Credit Card Processing Fees
Payment gateways connect businesses with payment processors to facilitate online transactions. This is a necessary payment technology for ecommerce websites, as it’s required to accept credit cards, debit cards, and other digital payment methods. But not every payment gateway is created equally. In fact, there are several different types of payment gateways to choose from—each| Merchant Cost Consulting - Lower Credit Card Processing Fees
If your business accepts credit cards, you’re going to process some transactions that get declined. But understanding why credit cards decline will help you handle the situation appropriately. Credit card declines can be embarrassing for customers—and more often than not, the decline reason is no fault of their own. This guide covers everything you need| Merchant Cost Consulting - Lower Credit Card Processing Fees
Learn more about PCI compliance fees, how to stay PCI compliant, and how to avoid a bankcard PCI fee on your credit card processing statement.| Merchant Cost Consulting - Lower Credit Card Processing Fees
How to Choose a POS System For Your Small Business Choosing the right POS software for your small business is a significant decision. Point of sale systems represent the moment when you get paid by your customers. You don’t want to rush into something so important, and you definitely don’t want to switch POS providers| Merchant Cost Consulting - Lower Credit Card Processing Fees
On the surface, the difference between “card-present” transactions and “card-not-present” transactions may seem obvious—the card was either present when the payment was processed or it was not. But the differences between card-present and card-not-present payments are a bit more complex. The presence or absence of a physical card at the time of purchase has a| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about authorization fees, AVS fees, and credit card transaction fees. Find out how to save money on credit card processing.| Merchant Cost Consulting - Lower Credit Card Processing Fees
This in-depth guide covers everything you need to know about credit card authorization codes and why you need them to process transactions.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Setting up recurring payments has become a popular and profitable way for businesses across multiple industries to generate ongoing revenue. Recurring payments are often seen as a win-win for merchants and customers alike, as they eliminate the need for the customer to provide payment details every month. Despite the benefits, recurring payments aren’t always priced| Merchant Cost Consulting - Lower Credit Card Processing Fees
Accepting card payments can be costly for many businesses. With average credit card processing fees ranging from 1.70% to 2.50% per transaction, card payments can take tens or even hundreds of thousands from your bottom line annually. But eliminating credit and debit cards as a payment method simply isn’t an option for the vast majority| Merchant Cost Consulting - Lower Credit Card Processing Fees
Fraud scoring is one of the best ways to help large ecommerce merchants detect and prevent credit card fraud online. Leveraging the right fraud scoring tools can also help minimize your risk of chargebacks. There are several different components to consider when developing a fraud scoring method. Certain instances or events could raise suspicion, but| Merchant Cost Consulting - Lower Credit Card Processing Fees
When it comes to shopping online, most consumers have grown accustomed to using credit cards and debit cards to complete the purchase process. PayPal and digital wallets like Google Pay or Apple Pay are popular options as well. But some customers may want to use ACH payments for ecommerce transactions. If you’re looking to add| Merchant Cost Consulting - Lower Credit Card Processing Fees
A merchant service provider (MSP) offers the hardware, software, and infrastructure that businesses need to accept credit cards, debit cards, and electronic payment transactions. They also store payment information, keep cardholder data safe, and help businesses maintain PCI compliance. Some merchant providers offer additional technology for POS systems, accounting integrations, business analytics, invoice collection tools,| Merchant Cost Consulting - Lower Credit Card Processing Fees
Learn how credit card transactions work, how debit card transactions work, and discover the differences between credit and debit transactions.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Point of sale (POS) software facilitates transactions for your small business. Modern POS systems have replaced clunky cash registers and hand-written receipts. Choosing the right POS solution for your business will dramatically improve the customer experience while boosting your efficiency on the back-end. The capabilities of POS software today are impressive. You can find POS| Merchant Cost Consulting - Lower Credit Card Processing Fees
MCC can help your business lower credit card processing fees. Get a FREE audit & analysis and find out how much you can save in credit card fees.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Stay up to date with the latest Fiserv (formerly First Data) credit card processing fees. Find out how to save money on Fiserv (First Data) processing rates.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Learn how to calculate interchange fees for credit and debit card transactions for your business, plus examples and average interchange rates by card network.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Understanding processing fees is crucial for businesses that accept card payments—as these fees have a direct impact on your bottom line. This in-depth guide aims to provide business owners with a thorough understanding of processing fees, their components, and strategies to minimize them. By the end of this blog post, you'll be better equipped to| Merchant Cost Consulting - Lower Credit Card Processing Fees
Explore the latest Amex interchange rates, fees, and updates. Find out how much it costs to accept American Express with OptBlue and Direct Agreements.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Explore the latest Discover interchange rates and Discover merchant fees. Learn more about new Discover interchange rate increases, updates, and fee changes.| Merchant Cost Consulting - Lower Credit Card Processing Fees
The ultimate guide on embedded payments, including how it works, pros, cons, use cases, costs, and a direct comparison between embedded and integrated payments.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about chargebacks, including chargeback fees, chargeback codes, types of chargebacks, and how to prevent chargebacks.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Discover everything you need to know about virtual terminals for payment processing. Find out what is a virtual terminal and how virtual terminals work.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about rolling reserves. Find out if you can get a rolling sales reserve removed from your merchant account contract.| Merchant Cost Consulting - Lower Credit Card Processing Fees
We’re living in an era where mobile devices are seemingly glued to the hands of every person on the planet. Everyone has a smartphone within an arm’s reach. As a merchant, you need to understand that consumers want to use their smartphones for everything, including paying for goods and services. It’s time to adapt. Every| Merchant Cost Consulting - Lower Credit Card Processing Fees
Visa is cracking down on automatic interchange optimization. Find out what this means if you're submitting Level 2 and Level 3 card data to optimize CEDP rates.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Find out if you're getting a good deal on high-risk processing or if your high-risk merchant account provider is ripping you off. Plus how to save money on it.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Top alternatives to credit card surcharges businesses should consider before implementing a surcharge program. Save money without passing costs to customers.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about interchange downgrades and how they work. Compare the latest interchange downgrade fees from Visa and Mastercard.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about the credit card surcharge laws in Virginia, including the new disclosure requirements that went into effect on July 1, 2025.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about merchant fees in credit card processing. This guide covers the different types of merchant fees and answers merchant fee FAQs.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about Visa's non-qualified interchange rate, including how it differs from other types of non-qualified fees and how to avoid them.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Disclosure: This page is for informational purposes only and is NOT legal advice. We are just presenting facts associated with the settlement, and we are in no way making suggestions or recommendations. PaymentCardSettlement.com is the ONLY court-authorized website for this case. Refer to that website or consult with an attorney for more information. Merchants that| Merchant Cost Consulting - Lower Credit Card Processing Fees
What is Visa FANF Fee? Use this guide to find out everything about the fixed acquirer network fee charged by Visa, including what it is and how it's calculated.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Understand EMV compliance, how it works, why it matters, and EMV compliance laws. Follow these 3 quick steps to ensure your business is EMV compliant.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Interchange Downgrades: How to Avoid Them Any company accepting credit cards is likely familiar with interchange fees. If you’re not or you need to brush up on your knowledge, check out our complete guide to interchange fees and rates. In the simplest possible terms, interchange is one of the main costs associated with processing a| Merchant Cost Consulting - Lower Credit Card Processing Fees
Our insider take on Dolphin Practice Management, specifically for its integrated payment processing options with Global Payments, Breeze, and Rectangle Health.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Qualified processing rates refer to the merchant fees that a business pays for a specific type of credit card processing, known as tiered or bundled pricing. Depending on the merchant account agreement and fee structure, the qualified rate is one of the three possible tiers that a transaction can fall into—with mid-qualified and non-qualified as| Merchant Cost Consulting - Lower Credit Card Processing Fees
The Visa Transaction Integrity Fee (TIF) is a $0.10 fee charged on US Visa Debit or Visa Prepaid cards that fail to meet CPS qualification. Learn more here.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Compare Amex OptBlue vs. Amex Direct. Learn the differences between Amex OptBlue rates and Amex Direct rates, and find out how to save money on Amex processing.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Read this guide if you found the MC Digital Enablement Fee or MC DB/Prepaid Digital Enablement Fee on your credit card processing statement.| Merchant Cost Consulting - Lower Credit Card Processing Fees
An unexpected stoppage in your payment processing procedure can be troublesome for a business owner. From withheld funds to processing freezes or account terminations, these instances can be potentially devastating. Credit card processing companies put funds on hold for a variety of reasons. If this happens, money received from credit card transactions won’t be transferred| Merchant Cost Consulting - Lower Credit Card Processing Fees
There are lots of misconceptions out there about accepting business credit cards. Some people will tell you that these cards are expensive to process. But in reality, there are steps you can take to lower your credit card processing rates for B2B transactions. Regardless of your business size or industry, you can qualify for better| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about B2B payment processing and how to get lower B2B credit card processing rates for your business using a B2B payment gateway.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Explore the differences between manually keyed transactions vs. swipe transactions and find out how to manually enter credit card numbers on machines.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Many businesses wonder if they can legally impose minimum purchase amounts on customers paying with credit or debit cards. The short answer—yes, and no. If certain conditions are met, the federal government allows merchants to set minimum purchase amounts for credit card transactions. But minimum purchase amounts for debit card transactions are not allowed. Before| Merchant Cost Consulting - Lower Credit Card Processing Fees
Our insider take on using Rectangle Health for payment processing. Find out what we like, what we don't, and take a closer look at fees from real statements.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Get our insider take on Breeze's payment processing services, including a breakdown of fees and a comparison with similar processors for orthodontics practices.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about Visa's surcharging policy for credit cards, including what's legal and what's illegal at the state and federal levels.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about California's new credit card surcharging laws, including what's legal and illegal for businesses.| Merchant Cost Consulting - Lower Credit Card Processing Fees
A payment gateway enables businesses to accept payments online. Read this guide to learn more about how payment gateways work and exactly what they do.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Credit card networks help power the global economy. Millions of credit card transactions are processed every day—all of which would be impossible without the card networks. From small businesses to ecommerce giants and everything in between, credit card networks help funnel sales into organizations of all different shapes and sizes. As a merchant, it’s important| Merchant Cost Consulting - Lower Credit Card Processing Fees
The term “liquidated damages” is something a merchant never wants to see or hear. Generally speaking, there are two instances where liquidated damages come into play—when you’re signing a merchant agreement and when you’re trying to cancel a merchant account. If you see a liquidated damages clause in a new merchant agreement prior to signing,| Merchant Cost Consulting - Lower Credit Card Processing Fees
Whether you’re selling products or services, expenses are simply a natural part of doing business. But the cost of merchant fees can add up quickly—sometimes exceeding 3% or even 4% of your gross sales. Rather than simply accepting these costs as an expense necessary for your business, there are steps you can take to avoid| Merchant Cost Consulting - Lower Credit Card Processing Fees
Credit card authorization is required for every credit and debit card purchase. So if you’re a business that accepts credit cards or a consumer that uses credit cards to make purchases, you’ve been involved in the credit card authorization process. According to Capital One, there are 1.86 billion credit card transactions globally per day, on| Merchant Cost Consulting - Lower Credit Card Processing Fees
Compare the average credit card processing fees, merchant credit card fees, and average credit card transaction fees for Visa, Amex, Mastercard, and Discover.| Merchant Cost Consulting - Lower Credit Card Processing Fees
I’ve recently encountered many business owners facing the same problem—they don’t know how to accept credit card payments over the phone. Some of these organizations improperly take phone payments, leading to higher credit card processing fees, more chargebacks, and increased risks for the business. Companies in nearly every industry have a need for credit card| Merchant Cost Consulting - Lower Credit Card Processing Fees
The ability to accept credit card payments is an absolute must in today’s world. But credit card processing is a complex subject—without thousands of different fees to navigate. Credit card transaction fees can add up quickly. With average credit card processing fees ranging anywhere from 2% to 3.5% per transaction, businesses are paying tens of| Merchant Cost Consulting - Lower Credit Card Processing Fees
What You Need to Know About Switching Merchant Services| Merchant Cost Consulting
Differences between credit card surcharges and cash discounts, including what's legal and the better option for your business to save money on merchant fees.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Surcharging has been a hot topic lately for consumers and merchants alike. Some small business owners implement a surcharge to save money on credit card processing. What is a surcharge? In short, it’s an extra fee added to a credit card transaction to cover the costs of accepting the customer’s card. If a consumer wants| Merchant Cost Consulting - Lower Credit Card Processing Fees
Credit card merchant fees are always changing. As a business, it’s important to understand how all credit card merchant fees work, and which processing fees are negotiable. Understanding credit card merchant assessment fees is crucial because they’re intended to be non-negotiable costs imposed by the card networks. Yet so many processors “pad” assessment fees as| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about merchant category codes (MCC). Explore MCC codes for ecommerce, MCC for online retailers, and find out your MCC code.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Interchange plus pricing is commonly used by credit card processors to determine the per-transaction rates paid by merchants. But it’s just one of several different contract structures that businesses might be presented with when they’re signing up for credit card processing—and it’s one of the most complex. Complexity aside, interchange plus pricing is typically the| Merchant Cost Consulting - Lower Credit Card Processing Fees
Discover what is a merchant account and find out how merchant accounts work. Learn how to open a merchant account in 5 steps to accept credit and debit cards.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about lower credit card processing fees. Find out how to save money on credit card processing in 5 steps with our in-depth guide.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Our insider take on the pros and cons of surcharging credit card transactions so merchants can decide if adding a surcharge fee makes sense for their business.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Find out what to do when your credit card processor increases your rates. You can negotiate, fight back, and get lower rates by following this 5-step guide.| Merchant Cost Consulting - Lower Credit Card Processing Fees
The merchant discount rate (MDR) is not a discount. It's a fee that merchants pay to processing companies as a percentage of a credit or debit card transaction.| Merchant Cost Consulting - Lower Credit Card Processing Fees
The latest Visa interchange rates and fees for credit card processing. See all the updates to Visa interchange rates and how much it costs to accept Visa cards.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Learn more about interchange fees and how interchange works. See the latest interchange fees, rates, and updates from credit card networks and processors.| Merchant Cost Consulting - Lower Credit Card Processing Fees
See the latest Mastercard interchange rates and fees. Explore categories like large ticket interchange, restaurant interchange, retail interchange, and more.| Merchant Cost Consulting - Lower Credit Card Processing Fees
A closer look at the true costs of flat-rate credit card processing, and why it's costing businesses tens of thousands of dollars in overpayments every year.| Merchant Cost Consulting - Lower Credit Card Processing Fees
The latest EVO Payments updates, news, rate increases, and fees for credit card processing. Find out how much it costs to use EVO Payments for card acceptance.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Everything you need to know about Level 2 and Level 3 credit card processing. Learn how to save money on Level 2 interchange and Level 3 processing rates.| Merchant Cost Consulting - Lower Credit Card Processing Fees
Processing rates can get out of control if you’re not keeping a close eye on them. But monthly statements can be complex and difficult to read, making it tough for businesses to truly understand what they’re actually paying to accept card payments. The cost for credit and debit card processing varies per transaction. So the| Merchant Cost Consulting - Lower Credit Card Processing Fees
A full explanation of integrated payments, including how it works, benefits, and real-world examples of how businesses leverage integrated payment solutions.| Merchant Cost Consulting - Lower Credit Card Processing Fees
If you try to close a merchant account, you might be surprised to learn that you owe an early termination fee. This is a common cancellation fee in merchant agreement contracts, yet so many business owners overlook it when applying for a merchant account. This in-depth guide explains everything you need to know about early| Merchant Cost Consulting - Lower Credit Card Processing Fees
See our insider take on Global Payments Integrated with an analysis of its pros, cons, and rates. We also show you how to spot bogus fees on your statement.| Merchant Cost Consulting - Lower Credit Card Processing Fees
